PropertyInvesting.com | bla0018 | Activity https://www.propertyinvesting.com/members/bla0018/activity/ Activity feed for bla0018. Sat, 11 Apr 2026 13:52:47 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 c4b2dcab3962c5f21141618164e9ed86 bla0018 replied to the topic Garentor question in the forum Help Needed! https://www.propertyinvesting.com/topic/5030677-garentor-question/#post-5030720 Thu, 20 Oct 2016 09:30:36 +0000 And yes if I move in it after settlement for 12 months it’s seen as my ppor and I prove this then I can sell in 6 years without CGT but Thats not part of my plan at all

]]> 59b599a8df2b206e2843bece06602377 bla0018 replied to the topic Garentor question in the forum Help Needed! https://www.propertyinvesting.com/topic/5030677-garentor-question/#post-5030719 Thu, 20 Oct 2016 09:28:04 +0000 I’m not telling the ato anything I’m applying for first home owners grant because I’m eligible just because I purchase a investment property dosnt mean I can’t change my mind and decide to live in it hence why I can grant and stamp duty reduction.

]]> becf4f0bac47eeb04e216653b55102d5 bla0018 replied to the topic Garentor question in the forum Help Needed! https://www.propertyinvesting.com/topic/5030677-garentor-question/#post-5030705 Thu, 20 Oct 2016 00:05:14 +0000 Thanks terry I’ll do that

And Richard in terms of your question I can’t service the loan hence using investment loan to increase borrowing capacity and once ive settled I’m moving into it and applying for first home owners grant

]]> 9aad0b79cdb4beb120df901d0c54cc6d bla0018 replied to the topic Garentor question in the forum Help Needed! https://www.propertyinvesting.com/topic/5030677-garentor-question/#post-5030700 Wed, 19 Oct 2016 22:42:36 +0000 He’s got around 120k available as a redraw can he access those funds even though he’s used that in congonjuction with the value of the property as security after the loan is settled?

Because if yes I will give him 20k so it increases his equity and I will not contribute anything to the house

]]> f17de9da9dc807412b4ba24d0b7b1055 bla0018 replied to the topic Garentor question in the forum Help Needed! https://www.propertyinvesting.com/topic/5030677-garentor-question/#post-5030699 Wed, 19 Oct 2016 22:39:30 +0000 I don’t really know how else to explain it,

]]> f1fae483b8e5dde95579f3aa4026cf38 bla0018 replied to the topic Garentor question in the forum Help Needed! https://www.propertyinvesting.com/topic/5030677-garentor-question/#post-5030697 Wed, 19 Oct 2016 22:23:10 +0000 I can’t afford to service the loan myself so we are going with an investment loan and using a Garentor because 20k isn’t enough for the deposit.
This property will eventually be an investment property after I live in it for a year so a 100% loan would be ideal and bring the lvr down using property growth eventually removing my dad as Garentor

]]> 32b8fb4fb0275fe778bf95e2c177b848 bla0018 replied to the topic Garentor question in the forum Help Needed! https://www.propertyinvesting.com/topic/5030677-garentor-question/#post-5030685 Wed, 19 Oct 2016 11:38:35 +0000 Apparently there’s isn’t enough equity

]]> 33a919e59777b9833aef6e5a8bbef5f7 bla0018 started the topic Garentor question in the forum Help Needed! https://www.propertyinvesting.com/topic/5030677-garentor-question/ Wed, 19 Oct 2016 03:45:29 +0000 Hi all
For the experts out there just have a few questions.

My dad is going to be my garentor for my loan im going with westpac because he’s self employed and dosnt have much income on paper. Westpac don’t assess his income and won’t refinance his home.

His property is worth 430k and he has 220k on the loan.

My broker says that I will need…[Read more]

]]> 02c6bfe65bd3ff749920e1fc53a50d62 bla0018 replied to the topic Trying to buy a house in the forum Help Needed! https://www.propertyinvesting.com/topic/5030280-trying-to-buy-a-house/#post-5030285 Wed, 05 Oct 2016 13:22:09 +0000 At this state we are completely seperate no joint accounts addresses are seperate. We both live with our parents. So we should be fine in that sense we are located in Melbourne.
If I went on the loan then yes we are ineligible

I’ve talked to many brokers just needing some direction from experienced members

]]> 34a0151e2d762e8115c2b3b94f084f7e bla0018 replied to the topic Trying to buy a house in the forum Help Needed! https://www.propertyinvesting.com/topic/5030280-trying-to-buy-a-house/#post-5030281 Wed, 05 Oct 2016 12:34:08 +0000 We were told to do and investment loan and take the money from the parents to pay the higher deposit then apply for the first home owners grant after 11 months and live with her parents till then Which again I don’t really want to do I don’t want to bring up a baby in the parents house.
I could just move into one of my investment properties once…[Read more]

]]> ec9dbcc8c6b0b567118c266ea89f4036 bla0018 started the topic Trying to buy a house in the forum Help Needed! https://www.propertyinvesting.com/topic/5030280-trying-to-buy-a-house/ Wed, 05 Oct 2016 12:30:48 +0000 Hey guys any help would be greatly appreciated

Just trying to get some guidance.
So my girlfriend is trying to buy her first house and claim first home owners grant.
I’ve already used my grant so I can’t go on the loan other ways we loose the grant. We have got a baby on the way due May next year so I’m trying to get a house sorted before we…[Read more]

]]> acc3da2002afdb861b9d6f65a4ca6bcc bla0018 started the topic Want to hear from property investment consultants in the forum General Property https://www.propertyinvesting.com/topic/5027920-want-to-hear-from-property-investment-consultants/ Sun, 26 Jun 2016 22:45:10 +0000 Hi
Just wanting to hear from anyone working as a property investment consultant.
I’m currently working as a 4 year electrical apprentice and have come to the realisation that this career isnt for me.
I’ve been extremely passionate about property for a while now since 18 (now 23) having bought 2 investment properties.
Was thinking of doing a…[Read more]

]]> f87ac6157f0742eb374a86afa3921de8 bla0018 replied to the topic Advice in the forum Help Needed! https://www.propertyinvesting.com/topic/5025299-advice-14/#post-5025397 Tue, 03 May 2016 09:14:04 +0000 Wow I don’t know what to say please don’t apologise I’m shocked at how much time you have taken to give me some advise. What I have found in this industry is there are not many people willing to give advise without some angle but you seem to be the very few that is genuine thank you so much I’m happy to take advise and learn from people such as…[Read more]

]]> 5706423603fcb52c7527535b390605a5 bla0018 replied to the topic Advice in the forum Help Needed! https://www.propertyinvesting.com/topic/5025299-advice-14/#post-5025369 Tue, 03 May 2016 02:42:04 +0000 Thank you so much for taking the time to respond

Firstly I must add I have tried my best to research as much as possible before making decisions.

I have been looking at sunshine for a while and also I work in the area so I have been seeing first hand the infrastructure and growth taking place it’s close to the cbd being just 10 mins away has…[Read more]

]]> 1aaf80377264ea99ab6f39bd9dd13930 bla0018 started the topic Advice in the forum Help Needed! https://www.propertyinvesting.com/topic/5025299-advice-14/ Sun, 01 May 2016 06:42:36 +0000 Hey guys
Just wanted some opinions
currently have a property which I purchased when I was 20 (now 23) I have just refinanced that property and going to purchase in Queensland pretty soon. (banks letting me borrow another 24k, originally purchased the house for 290k now worth 380k bank val came in at 340k so 24k + 40k in cash saved up)

The house…[Read more]

]]> 7e5c3e9b830caec09c6d870942783514 bla0018 started the topic Queensland hot spots in the forum Help Needed! https://www.propertyinvesting.com/topic/5023725-queensland-hot-spots/ Tue, 12 Apr 2016 04:29:34 +0000 Hey guys
Would love some insight or opinions.
Wanting to get my 2nd investment property looking to invest in qld I currently live in Melbourne and don’t really know much about Queensland.
Was going to employ a buyers agent.
Trying to get within 30mins to an hour of Brisbane cbd mainly looking for good growth. Was looking at Darra but I’m also…[Read more]

]]> 0e3f35fb8ce78d2c37d0787bdc88c571 bla0018 started the topic Recommendation on a good broker and buyers agent in the forum Help Needed! https://www.propertyinvesting.com/topic/5020458-recommendation-on-a-good-broker-and-buyers-agent/ Thu, 18 Feb 2016 09:54:04 +0000 Hi guys
Just want some recommendations on good brokers that specialise investment property loans main concern is equity release.

Also a good buyers agent that know the property investment scene in Queensland

Regards

]]> 8d73a96b4c100c0438123590bb93ae14 bla0018 started the topic binvested in the forum Help Needed! https://www.propertyinvesting.com/topic/5020456-binvested/ Thu, 18 Feb 2016 09:43:52 +0000 hey guys
just wanted some advice of guys on here as I always do before making any decisions.
looking at getting involved with binvested for next property they charge 9900 to source a property but they want money up front. Now I have cash but need an equity release but they seem to say to pay the fee and if I don’t get the equity release they will…[Read more]

]]> 9f05e5aeedd256f806367b7dd1986bc1 bla0018 replied to the topic good mortgage broker in the forum Help Needed! https://www.propertyinvesting.com/topic/5013345-good-mortgage-broker-2/#post-5013360 Wed, 16 Sep 2015 09:34:48 +0000 It was more for piece of mind but I’m open to the idea depending on how good the broker is

]]> 8390411172c837a4eb101f549f3af392 bla0018 started the topic good mortgage broker in the forum Help Needed! https://www.propertyinvesting.com/topic/5013345-good-mortgage-broker-2/ Wed, 16 Sep 2015 04:50:25 +0000 Hi was wanting to know if anyone can recommend me a good mortgage broker located in Victoria

Thanks in advanced

]]> 898cc2155eb58f2fd1c725b096ecaf83 bla0018 replied to the topic Help needed about adding value to property equity in the forum Help Needed! https://www.propertyinvesting.com/topic/4995081-help-needed-about-adding-value-to-property-equity/#post-4995087 Tue, 30 Sep 2014 08:40:44 +0000 Okay awesome cheers for the response so can the bank reject the offer for a full valuation ?

]]> 55601496984ff153af1a7b1809ff14c2 bla0018 started the topic Help needed about adding value to property equity in the forum Help Needed! https://www.propertyinvesting.com/topic/4995081-help-needed-about-adding-value-to-property-equity/ Tue, 30 Sep 2014 02:25:59 +0000 Hi guys
Just wanted to clear some info up as I’m a bit confused. I purchased my first house about 9 months ago in which I’m currently doing a renovation in hopes to refinance in a years time when the Reno is complete and do a equity release on the higher value . My confusion is I have recently been told by someone that when they refinance they…[Read more]

]]> 50f65f3a9cc357a9a8ed5340497d7fc1 bla0018 started the topic Broker and buyers agent in the forum Help Needed! https://www.propertyinvesting.com/topic/4994549-broker-and-buyers-agent/ Fri, 12 Sep 2014 00:08:27 +0000 Hi
Just wanted to know if any can recommend a broker and buyers agent that is located in Melbourne. For the broker I’m more after someone who specializes in investment properties and understands how to structure a loan keeping in mind I don’t want to limit my borrowing capacity. And for the buyers agent I was looking for someone who can look out…[Read more]

]]> 242360f0193130454be3bc539357f3db bla0018 replied to the topic Need help in the forum Help Needed! https://www.propertyinvesting.com/topic/4994459-need-help-11/#post-4994500 Wed, 10 Sep 2014 04:20:32 +0000 Yeah I realize that I know the bank isn’t going to give you money for free haha. That will be the challenge, finding a strong yield along with good growth which I guess is what everyone is looking for

]]> bc8dd00372c3ca8df2d8f9a1b6154ae3 bla0018 replied to the topic Need help in the forum Help Needed! https://www.propertyinvesting.com/topic/4994459-need-help-11/#post-4994488 Tue, 09 Sep 2014 21:36:29 +0000 I try to network as much as I can just trying to focus on a good strategy.
I’m 21 at the moment I work as an electrician. I have bought a house 6 months ago in which I’m currently fixing up. And on the side of that I’m saving another cash deposit which I’m about couple months away from having. I’m going to refinance and use the equity along with…[Read more]

]]> f55db1f9b2dfe26850023dcc4e53d190 bla0018 started the topic Need help in the forum Help Needed! https://www.propertyinvesting.com/topic/4994459-need-help-11/ Tue, 09 Sep 2014 08:01:14 +0000 Hi
Just wanted to know if anyone here can recommend a good financial planner or mentor

looking to build a strong base and investment plan to grow a large portfolio, 30+ properties by 30. My biggest issue is there are so many strategies that all seem appealing its confusing trying to focus on one. I’m hoping to get a planner that can…[Read more]

]]> b8a48cfd3228c3327736e9f11314367c bla0018 started the topic Quantity surveyor in the forum Help Needed! https://www.propertyinvesting.com/topic/4993398-quantity-surveyor-7/ Tue, 05 Aug 2014 01:41:11 +0000 Does anyone know a good Quantity surveyor in Dandenong Victoria region

Help is greatly appreciated

]]> 5dcbf3832a91fce5c144af6534d9d859 bla0018 replied to the topic Advice in the forum Help Needed! https://www.propertyinvesting.com/topic/4991040-advice-13/#post-4991044 Tue, 27 May 2014 04:51:26 +0000 Thanks for the information guys I will be planning on staying on the townhouse

]]> 2a5df9140201b0d1acc97590bd994774 bla0018 started the topic Advice in the forum Help Needed! https://www.propertyinvesting.com/topic/4991040-advice-13/ Tue, 27 May 2014 03:28:06 +0000 Hi all
Just wanted a bit of direction

I currently own a 1 bedroom apartment in the city

It’s worth around 350k and I have around 100k left on the loan

I have aspirations to own a town house within close proximity to the city in the near feature

My question is should I pay down the loan on my current apartment or try to refinance now and…[Read more]

]]> 8e13c38d0c7bef2e31ca805eef6e50b5 bla0018 replied to the topic Investing goals in the forum Help Needed! https://www.propertyinvesting.com/topic/4990875-investing-goals/#post-4990884 Thu, 22 May 2014 13:22:19 +0000 So you believe that I could have purchased the second property now if I structured the ppor loan properly ?

And to answer your question Corey I will be investing with my partner.

]]> 9fba5cfd62f54afe00f2038753217e88 bla0018 replied to the topic Robert Kiyosaki cash flow 101 -aka rich dad poor dad(western suburbs melbourne ) in the forum Help Needed! https://www.propertyinvesting.com/topic/4990671-robert-kiyosaki-cash-flow-101-aka-rich-dad-poor-dadwestern-suburbs-melbourne/#post-4990876 Thu, 22 May 2014 10:41:02 +0000 would be awesome to meet some fellow investors I am young and inexperienced but definitely keen to learn only issue is i live in south east

]]> eb71832fa56831bdc7a386af5f5bd057 bla0018 started the topic Investing goals in the forum Help Needed! https://www.propertyinvesting.com/topic/4990875-investing-goals/ Thu, 22 May 2014 10:37:28 +0000 Hi all
Just wanted some direction, Im 21 and recently bought a house 2 months ago with my partner for 290k. I have a room mate who pays rent weekly $150.

I have set myself a goal to buy another house next year to rent, one year from purchasing my first house.

I currently have an offset account with an I/O loan for 5 years so I am saving every…[Read more]

]]> 830f522002199632787f872ebb77580c bla0018 replied to the topic Equity vs money in the bank in the forum Help Needed! https://www.propertyinvesting.com/topic/4410762-equity-vs-money-in-the-bank/#post-4699594 Thu, 27 Feb 2014 09:00:37 +0000 Ahh thanks so much for the replys cleared up alot of questions 

]]> 17a90e5018c24e20c1adfb4262587fb8 bla0018 replied to the topic Equity vs money in the bank in the forum Help Needed! https://www.propertyinvesting.com/topic/4410762-equity-vs-money-in-the-bank/#post-4699591 Thu, 27 Feb 2014 07:32:28 +0000 Also if I were to do  the second bathroom it is next to the main bedroom and was considering making it an ensuite  but still not sure whether to just stick with saving 

]]> 33b38ffee43eb88a146e3f0333e40207 bla0018 replied to the topic Equity vs money in the bank in the forum Help Needed! https://www.propertyinvesting.com/topic/4410762-equity-vs-money-in-the-bank/#post-4699590 Thu, 27 Feb 2014 07:30:02 +0000 So you saying minimal things more cosmetic? I'm an electrician and pretty  handy on the tools could do most of the work myself but cost of materials is still quite expensive. The house is still quite new just on 5 years old just trying to figure what's my plan of attack 

]]> 7c2712c76bfcdbcd46591ce470f81a84 bla0018 replied to the topic Advice on property in the forum General Property https://www.propertyinvesting.com/topic/4410652-advice-on-property/#post-4699121 Thu, 06 Feb 2014 09:37:19 +0000 Ah thanks so much for the advice so many different strategies out there I  know I'm young but I just want to set myself up for down the track 

]]> 1d9c0e9174a73460ad6c7388fb372e85 bla0018 replied to the topic Advice on property in the forum General Property https://www.propertyinvesting.com/topic/4410652-advice-on-property/#post-4699119 Thu, 06 Feb 2014 09:19:34 +0000 Sorry little confused I don't want to sound stupid but I purchase ip by using equity from my ppor but if I'm paying intrest only and saving in an offset I won't have much or any equity in the ppor 

]]> c206143eb0c03c9480ee1c6dc433251f bla0018 replied to the topic Advice on property in the forum General Property https://www.propertyinvesting.com/topic/4410652-advice-on-property/#post-4699117 Thu, 06 Feb 2014 09:04:38 +0000 Thanks for the response 
so your saying to continue paying P&I and use equity to purchase future purchase? 

]]> fcc2c15169ac62a26f834e7245e39eb5 bla0018 replied to the topic Advice on property in the forum General Property https://www.propertyinvesting.com/topic/4410652-advice-on-property/#post-4699115 Wed, 05 Feb 2014 06:59:40 +0000 What about when the banks want a lump sum principle payment do I just leverage that by selling  IP. Also is it worth trying to add value to our PPOR eg, pergola decking adding toilet. 

So save as much into an offset account and use that as a deposit for the next home? 

Sorry for all the questions just want to get a good grasp of how I should set…[Read more]

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